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City names detours for construction

28-04-2015 Hits:85 Around Ottawa County  - avatar Jasmine Cupp

City names detours for construction

Aerial view of Second Street road closure. The sewer and water line separation project has started resulting in construction zones on Second Street in downtown Port Clinton. As of Monday, April...

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Prescribed burn south of Camp Perry

27-04-2015 Hits:152 Ottawa Outdoors  - avatar Jasmine Cupp

Prescribed burn south of Camp Perry

The Staff of Ottawa National Wildlife Refuge (ONWR) would like to notify the public that they are planning to conduct a prescribed burn on the ONWR property along Camp Perry...

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Danbury trustees host dog show to benefi…

26-04-2015 Hits:215 Around Ottawa County  - avatar Jasmine Cupp

Danbury trustees host dog show to benefit Humane Society

Photo from last year's dog show. On Sunday, May 17, all dog owners are invited to the Bark until Dark Off-Leash Dog Park at 310 Bridge Road (State Route 269 South)...

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Individual retirement account basics

A traditional Individual Retirement Account (IRA) is an account that has been funded by pretax dollars that are held by a custodian until you reach the age of retirement. With Baby boomers reaching that age, these accounts will become very important in determining when a person can retire and continue to have sufficient assets to live a comfortable life.  Until now,   many people never paid much attention to this account because they knew that they could not use the funds.  Setting aside the fact that these funds have greatly declined in value over the past two years, it is imperative that one understands how these accounts function and what check list should be used to insure that everything with the account is in order.

Structure of the account

This account is in your personal name. The funds are held by a custodian who is the plan administrator. This account has a named beneficiary designation.   Everyone should have a written copy of the beneficiary designation form for each account. Most married individuals have their spouse as the beneficiary. When I ask who the second beneficiary is or a contingent beneficiary they do not know. Be sure to have someone named and also be sure to have written proof of the named beneficiaries.  With all of the banks merging, going out of business and just changing names, your actual documentation can be lost in the shuffle. It is recommended that you contact the custodian of your IRA and ask for proof of beneficiaries.   Determine if your form is complete with a written primary beneficiary and a contingent beneficiary. 

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McIntire attends Social Security seminar

Chris McIntire, President and Founder of McIntire Retirement Services with offices in Perrysburg, Fremont and Port Clinton, recently attended a two-day Social Security seminar in Cincinnati. Premier Living, a Social Security consulting firm based out of Sharonville, Ohio, held the

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